The Mortgage Advisors LLC

The Mortgage Advisors, is based on educating home buyers and borrowers about how mortgages really work and finding the best loan options and loan programs for your situation. We believe that if you can understand the basics of how mortgages work, you will be empowered to make the BEST mortgage decision for your unique scenario. Mortgages are not like an auto loans, mortgage rates are not controlled by the Federal Reserve, and mortgage rates actually don't change at all! In fact all of the rates are always available! And, it's the cost of each rate that changes based on the bond market. Did your brain just fall out? Probably not what you’ve heard on the news or in mortgage advertisements right? But it's the truth! We work with private mortgage banks that specialize in only providing low cost mortgage rates and services. Then we use proprietary software to help you compare loan programs, rates, and costs to see which one makes the most sense. We also compare the True Break Even Point ™ on your loan to see WHEN that super low rate, which usually cost a few extra points, is better than a No Cost Loan, which have slightly higher interest rates. After all, it's the mortgage itself that should be treated like an investment. When you buy down an interest rate with points it behaves just like and investment but with a guaranteed result!! It’s all in the numbers and we will help you see for yourself what makes the most sense! The Mortgage Advisors LLC | Empowering YOU with Educated Mortgage Decisions!